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Re: What's the riskiest Bogleheadish asset?

G-Money wrote:
livesoft wrote:Maybe it is one's home?

Or possibly one's human capital.


+1.

Without this, it would not be possible to put any savings in any of these assets, "risky" or not...

Cosmo
by Cosmo
Wed Sep 10, 2014 8:58 am
 
Forum: Investing - Theory, News & General
Topic: What's the riskiest Bogleheadish asset?
Replies: 81
Views: 6826

Re: Does your employer still offer pensions to new hires?

My company ( a major energy firm) still offers a DB plan. However, recently, they are no longer offering the more generous "80 Point" plan to new employees and they are now stuck with the "Alternative Plan", which is what I am on. In hindsight, I figured that I wouldn't be at my ...
by Cosmo
Mon Sep 01, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3821

Re: Paper or plastic?

The single use plastic bags were gold in our house for years. That made an excellent second use for several dirty diapers per day.
by Cosmo
Mon Sep 01, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2832

Re: Which generator do you have?

<snip...>even though the entire community has underground distribution lines. Cosmo Sure, but how long is the run from the nearest sub-station to your community? Those lines usually run above ground and close to roads (where cars like to run into them and trees like to fall on them :wink: )... Ours...
by Cosmo
Sun Aug 31, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 7306

Re: Which generator do you have?

I have been considering a back up 20 kw generator for the entire house for over five years now. Over the last five years, we have had perhaps 3-4 interruptions that I was aware of -10 minutes or less with the exception of one that lasted for around an hour. It really makes it difficult for me to jus...
by Cosmo
Sun Aug 31, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 7306

Re: Ideas for thanking a doctor

Would a moderately priced bottle of wine be inappropriate? Even if they are not a drinker, they may be an entertainer. I also like the idea of giving sweets, which could be shared among the office staff. I am ashamed to say, I never even thought of doing something like that. I have had many very goo...
by Cosmo
Sat Aug 30, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 74
Views: 4626

Re: Husband rear-ended, driver ignoring his insurance

Following with interest as I would be unsure what to do here as well. I am amazed at the conflicting opinions here on what seems to be relately straight forward process.

Cosmo
by Cosmo
Tue Aug 26, 2014 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5079

Re: How I beat Indexing... in 1 hour

1) Dedicate <5% of your portfolio to "play money" - In my case it was $5000 2) Open up a brokerage account with $0 trades - Merrill Edge for BofA customers 3) Scour Top 10 holdings in Vanguard/Fidelity Mid- and Small-Caps 4) Do your research! Pick companies with: - Consistent quarterly >7...
by Cosmo
Tue Aug 26, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 56
Views: 8180

Re: Paper I/EE Savings Bonds are only reissued electronicall

That applies to reissued bonds. Reissue happens in a number of situations (death, changes in title, partial redemptions, loss of original paper bonds, etc.). Obviously this could cause problems for those elderly folks without computer access (or even for those with computer access), but these folks...
by Cosmo
Sun Aug 24, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paper I/EE Savings Bonds are only reissued electronically
Replies: 4
Views: 756

Re: Cost of an above ground pool, land prep and maintenance

OMG I can't believe all the negative responses. Death scares and worries of not getting every penny out of your investment. Sheesh. I feel these are important and legitimate considerations. You can never overstate the risks when it comes to children drowning accidents. And you are taking away some ...
by Cosmo
Sun Aug 17, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1153

Re: Cost of an above ground pool, land prep and maintenance

If we ever consider getting a pool, we would move and purchase a home that alrieady has one. Just not worth the cost for something you not going to get back when you eventually sell your home.

Cosmo
by Cosmo
Sun Aug 17, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1153

Re: Mortgage or pay cash

If they pay cash why would that upset their AA? Just rebalance back to 60/40. I would take a cheap ARM and plan to pay it off before the reset. One issue I see here is there could be a considerable tax liability here by selling their equities in order to rebalance -if they are in the taxable portio...
by Cosmo
Sun Aug 17, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage or pay cash
Replies: 9
Views: 1174

Re: what gender are you?

It is this simple, folks. If you are a man, select male. If you are a woman, select female. If your answer is, for one reason or another, "It's complicated.....", select other. I think we're ready to lock down this thread. The tangents that the thread has taken are getting really ridiculo...
by Cosmo
Sun Aug 10, 2014 8:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: what gender are you?
Replies: 27
Views: 5034

Re: Poll - Do you use Quicken?

Didn't answer. Does Mint count for Quicken?
by Cosmo
Sun Aug 10, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5194

Re: what gender are you?

Oh my god. I cannot believe how long this thread is. It is this simple, folks. If you are a man, select male. If you are a woman, select female. If your answer is, for one reason or another, "It's complicated.....", select other. Is this a legitimate problem or are people just trying to ma...
by Cosmo
Sat Aug 09, 2014 10:22 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: what gender are you?
Replies: 27
Views: 5034

Re: Best Asparagus for Florida?

Personally, I would even bother, you will be disappointed. I tried some variety for southern climates (I live in SE Texas, sorry I don't recall the variety) and it never even came up. I don't think it's worth the work. Always best to growing something that grows well in your climate. And that's why ...
by Cosmo
Tue Aug 05, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Best Asparagus for Florida?
Replies: 11
Views: 874

Re: What finance experts do you follow on Twitter?

J.Everett wrote:I signed up for a Twitter account because of this thread. I had also always considered Twitter mildly ridiculous until I realized I could just use it as a feed for awesome articles. Thanks!


Exactly! Some people get it. Others don't.

Cosmo
by Cosmo
Sun Aug 03, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What finance experts do you follow on Twitter?
Replies: 44
Views: 7601

Re: How Much Did You Lose Today?

How about the option, "This poll is dated. Since I never bothered looking then (nor do I care), I have no idea what I lost or made".

Cosmo
by Cosmo
Sun Aug 03, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15034

Re: What finance experts do you follow on Twitter?

Large quantities of short, imprecise statesments delivered over an extended time period seems like the worst possible way to talk about finance. Or really most things worth talking about. Absolutely not true. There is usually an interesting internet link embedded so there is nothing short or imprec...
by Cosmo
Sat Aug 02, 2014 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: What finance experts do you follow on Twitter?
Replies: 44
Views: 7601

Re: POLL: My home is worth less/more in 2014 than in 2007?

Not surprisingly, many folks are prepping their home for sale and cashing in while they can. Perhaps, the bubble has finally arrived here? I don't understand what this means. How do "many folks" cash in besides maybe retiring or downsizing? I am assuming most of these people need to buy s...
by Cosmo
Sun Jul 27, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5835

Re: POLL: My home is worth less/more in 2014 than in 2007?

Not surprisingly, many folks are prepping their home for sale and cashing in while they can. Perhaps, the bubble has finally arrived here? I don't understand what this means. How do "many folks" cash in besides maybe retiring or downsizing? I am assuming most of these people need to buy s...
by Cosmo
Sun Jul 27, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5835

Re: Using Emergency Fund to Pay off Auto Loan

epictetus wrote:i vote with keep the cash. don't pay off the loan.


Agree.
by Cosmo
Tue Jul 15, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Fund to Pay off Auto Loan
Replies: 20
Views: 1613

Re: Real Estate Advice

I am new to investing in real estate but I found a nice 3 bd 2 ba house in a high class area. It is selling for about 94K. I believe I could rent it out for about 1500 a month. I have 20K to put down and about another 20K for in case things go wrong money. I make about 5600 a month, which goes up t...
by Cosmo
Tue Jul 15, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advice
Replies: 26
Views: 2701

Re: But why not 100% stock index fund?

Dutch wrote:Ok I'm calling the top of the market


+1
by Cosmo
Sun Jul 13, 2014 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 7430

Re: New 401(k) options

rdlaner , if you want an AA of 80% stocks, 20% bonds, with 10% of stocks in international (low) that breaks down to 72% US stocks, 8% international stocks, and 20% bonds. If the 401k is your only retirement asset (no IRAs), then you could have the following: 401k -- 100% 57% ( VFIAX ) Vanguard 500 ...
by Cosmo
Mon Jun 30, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) options
Replies: 11
Views: 530

Re: New 401(k) options

Use these two together in proportion (see the Wiki): Vanguard 500 Index Admiral (VFIAX) (0.05%) Vanguard Extended Market Index Admiral (VEXAX) (0.10%) I agree 100% here. And further to that, I would KEEP IT SIMPLE by synthesizing Taylor's three fund portfolio here: http://www.bogleheads.org/wiki/Th...
by Cosmo
Mon Jun 30, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) options
Replies: 11
Views: 530

Re: New 401(k) options

Are ALL those old funds going away? If so, I think you 401(k) provider is making it unnecessarily more complicated by getting rid of the Vanguard Total Stock Market Index and replacing it with slice n dice type options.

Cosmo
by Cosmo
Mon Jun 30, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) options
Replies: 11
Views: 530

Re: where is nisiprius?

I don't know why this is so hard for some people. I was about to say "let me google that for you", but instead I will say "let me search user's posts for you." sscritic, I am looking for the lyrics of that old song, "Go you Chicken Fat, Go", you know the song they woul...
by Cosmo
Sat Jun 28, 2014 5:15 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: where is nisiprius?
Replies: 26
Views: 3720

Re: Mortgage: Variable 7 vs Fixed 30.

Is this a trick question? The ARM is better. Not a trick question and the answer is not as straight forward as you seem to think it is. The OP did not make any indication if they were going to prepay or not. grabiner wrote: And the bank is presumably indifferent between the two for similar reasons....
by Cosmo
Sat Jun 28, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage: Variable 7 vs Fixed 30.
Replies: 47
Views: 3550

Re: Low Exp. Ratio 0.0018% - Am I missing something

25% is way too much, 5% tops! Your wife is far too exposed to one stock. To make it worse, it happens to be the same company she works for. Take it from a former Enron employee, 25% is too much!

Cosmo
by Cosmo
Thu Jun 26, 2014 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low Exp. Ratio 0.0018% - Am I missing something
Replies: 23
Views: 2557

Re: Guaranteed profit from forex trading

http://www.fenikfx.com It is very simple….we simply execute trades for you on your online forex account. With our top secret trading methods, we guarantee a 50% or more profits on your initial capital weekly. Why should I be happy with < 10% APY when I can get guaranteed 50% APY per week! It should...
by Cosmo
Mon Jun 23, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Guaranteed profit from forex trading
Replies: 14
Views: 1365

Re: Implications on using lump sum payout to payoff mortgage

Another post where people are making suggestions without even knowing what the interest rate is. OP, please furnish your interest rate on the mortgage. Do you itemize?

Cosmo
by Cosmo
Mon Jun 23, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications on using lump sum payout to payoff mortgage
Replies: 6
Views: 569

Re: Anyone regret paying off mortgage early?

My thoughts on occasions when paying off your mortgage early is a bad idea. Thse reasons are for people who still have many years prior to retirement. 1) If you are not maximizing your tax advantaged savings. You are missing out on a huge tax deduction especially if you are in a high tax bracket. 2...
by Cosmo
Sun Jun 22, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 185
Views: 25408

Re: Wind blew off shingles, now roof is leaking!

It appears the adjuster missed something. I would want them to revise the original claim. Two claims on your policy look worse than one. What did they miss? They made the determination there were missing shingles that needed to be replaced. Unfortunately, they do not appear that they were replaced ...
by Cosmo
Sun Jun 22, 2014 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Wind blew off shingles, now roof is leaking!
Replies: 27
Views: 1478

Re: Riding a bicycle east from Cleveland

You should be aware that the Cleveland airport is located southwest of the city. This means that you will be riding through a large busy metropolitan area, before you get to anything rural. Within the city, all you have are busy streets and freeways. Neither would seem to be ideal for bike riding. ...
by Cosmo
Sat Jun 21, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1333

Re: The Death of Savings Bonds

What is the point of this poll? It would make more sense if it was how many dollars worth of savings bonds were purchased. I am pretty sure that most Bogleheads here have not purchased 1,000 (or more) savings bonds.
by Cosmo
Mon Jun 16, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3541

Re: How can this be legal (employers over-riding employee 40

http://www.bloomberg.com/news/2014-06-11/they-just-re-invested-your-401-k-for-you-for-your-own-damn-good.html Basically, employers now feel like they can change your selections in your 401(k) "for your own good." Sure they notify you, and you can opt out, but still highly offensive. I am ...
by Cosmo
Sat Jun 14, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can this be legal (employers over-riding employee 401k)
Replies: 23
Views: 1787

Re: Apple looks interesting right now

I recently bought a $125 smart phone that has nearly all of the capabilities of an iPhone 4S. Obviously, there's a vastly larger market for $125 smart phones than for $500 ones. I'm sure that the smart people at Apple know this and that they knew about the cheap smart phone several years ago. It's ...
by Cosmo
Wed Jun 11, 2014 6:11 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2449

Re: Apple looks interesting right now

stemikger wrote:I never bought a single stock in my life, but I have to say Apple looks interesting right now. Does anyone else feel this way with the recent split.

It's the largest publicly traded company in the world. Where's the upside? Apple looked a lot more interesting oh around 12 years ago?
by Cosmo
Wed Jun 11, 2014 6:08 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2449

Re: Any "Apps" you like?

Vanguard Investor Vanguard Advisor Mint My credit card app My bank app My insurance company app My pharmacy app Not particularly a finance app, but 1Password is wonderful. ... Fletch Yes! Exactly what Fletch said. Absolutely love mint btw. Great for monitoring transactions including credit card tra...
by Cosmo
Tue Jun 10, 2014 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 4212

Re: None of this software works

davebarnes wrote:on my iMac.
LOL


I have a iMac as well so I have nothing to worry about. Uh oh. Let the posts begin on how I DO have to worry about this because Macs are just as vulnerable, etc...

Cosmo
by Cosmo
Sat Jun 07, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: Is your computer protected?
Replies: 39
Views: 4416

Re: Favorite guitarist...

I stumbled across this old yet interesting thread. I love the legends, too - Hendrix, Clapton, Stevie Ray Vaughan. After reading through all the posts, I find it hard to believe that nobody (unless I missed it) has mentioned Joey Bonamassa. Any Bonamassa fans out there? He's younger than the rest, ...
by Cosmo
Sat Jun 07, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21170

Re: Interesting artcle on inflation and mortgages

I think the appreciation part factors in. I may look at this wrong though, so... Using numbers like the article gives... Someone agrees to buy a house for $200k. They pay the mortgage on schedule for the full term and pay $360k total. If the house isn't worth at least $360k at the time the mortgage...
by Cosmo
Sun Jun 01, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting artcle on inflation and mortgages
Replies: 14
Views: 1253

Re: Printing with an iPad

Yes -- I have an airprint HP, WiFi compatible. I can print from a laptop just fine, and I can print from most other sites on the iPad with no problem. But there's something about the Bogleheads site that makes printing from the iPad impossible. I get an error message that says: "An error occur...
by Cosmo
Sun Jun 01, 2014 11:58 am
 
Forum: Forum Issues and Administration
Topic: Printing with an iPad
Replies: 6
Views: 874

Re: do 80/15/5 mortgages still exist?

Probably not what you or he wants to hear, but if he can only afford 5% down payment, he needs to be looking at renting. +1 -1. Arizona is a non-recourse state so your friend can consider it being leveraged up 20x with an implicit "put option" to walk away (at the cost of damaged credit r...
by Cosmo
Sun Jun 01, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: do 80/15/5 mortgages still exist?
Replies: 8
Views: 1425

Re: First Ironman Triathlon Next Year -Any Good Books

Thanks to everyone who took the time here to respond! The main takeaway here is that no book is really going to prepare me for this grueling event. "kcb203" your comment really hit home about it being almost impossible to be a good employee, parent (husband) and triathlete all at the same ...
by Cosmo
Wed May 21, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: First Ironman Triathlon Next Year -Any Good Books
Replies: 16
Views: 1113

First Ironman Triathlon Next Year -Any Good Books

I recently signed up for the Texas Ironman's Triathlon in 2015. My goal is to complete the event within the time deadline -I have no desire to be competitive. I have completed a marathon, biked several century rides (my strong point) but have done limited swimming. This will be my very FIRST triathl...
by Cosmo
Mon May 19, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: First Ironman Triathlon Next Year -Any Good Books
Replies: 16
Views: 1113

Re: New homeowner: lawn care advice

I just love experiments, so thanks for reporting on your experiences in this thread. The Houston area had some substantial rain and warm temps last week, so all the lawns are in full-on growth mode. The fresh growth is easy to cut now, but as the season progresses, the stolons and creepers get stur...
by Cosmo
Thu May 15, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26667

Re: What to do with $300k at 25yrs old? Is franchising for m

Have you thought about investing in yourself? How about an MBA? How many jobs are there for MBAs that don't still require working fairly regularly to make a living? :twisted: jimb Always good to keep options open. While not working regularly seems like a good idea now, things have a way of changing...
by Cosmo
Sat May 10, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with $300k at 25yrs old? Is franchising for me?
Replies: 21
Views: 2907

Re: What to do with $300k at 25yrs old? Is franchising for m

Have you thought about investing in yourself? How about an MBA?
by Cosmo
Sat May 10, 2014 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with $300k at 25yrs old? Is franchising for me?
Replies: 21
Views: 2907
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